Your essential coverage.
Whether your car is new or used, Desjardins Insurance offers you advice and guidance on all the essential coverage you need to have on your car insurance policy, including third party liability coverage.
Whether your car is new or used, Desjardins Insurance offers you advice and guidance on all the essential coverage you need to have on your car insurance policy, including third party liability coverage.
Mandatory
Provides coverage when you are responsible for an automobile accident:
By law, you must have at least $200,000 in 3rd party liability coverage, but most people choose $1 million or $2 million.
Required if your vehicle is leased or purchased with financing
Protects you against damage caused to your vehicle if:
Required if your vehicle is leased or purchased with financing
Protects you against loss or damage to your vehicle that is beyond your control, other than collision or upset, such as:
Mandatory
Provides coverage for:
You can increase your Accident Benefits coverage with:
Beginning June 1st, 2016, if you are either buying a new auto insurance policy or renewing an existing one, you will have more options to purchase a level of coverage that is right for you.
Learn more about Ontario Auto Insurance Reforms
Mandatory
Protects you in the event of an accident caused by an uninsured driver. For example:
Recommended
Provides additional protection for eligible claimants in the event of injury or death caused by an underinsured motorist.
Example: Robert was involved in an automobile accident that caused $800,000 in damages. John, the driver responsible for the accident, was covered up to $500,000. Fortunately, Robert had added $1,000,000 in Family Protection coverage to his policy, which covered the $300,000 difference between the damages and the at-fault driver’s coverage.
Mandatory
This coverage protects you against damage to your vehicle in the event of an accident that is not or is only partially your fault. This coverage allows you to deal directly with your own insurer. This means you call us directly no matter who's at fault.
Learn more about the optional coverages you can add to your auto insurance policy.
The information provided on this page is meant for informational purposes only. Full details regarding coverage and exclusions can be found in the insurance policy, which always prevails. Certain conditions, limitations and exclusions may apply.
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